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<?xml-stylesheet type="text/xsl" media="screen" href="/~d/styles/rss1full.xsl"?><?xml-stylesheet type="text/css" media="screen" href="http://feeds.feedburner.com/~d/styles/itemcontent.css"?><rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns="http://purl.org/rss/1.0/" xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0"><channel rdf:about="http://debthater.typepad.com/debt_hater/"><title>Debt Hater</title><link>http://debthater.typepad.com/debt_hater/</link><description>I've gotten out of debt, now on to my dreams!</description><dc:language>en</dc:language><dc:date>2009-07-10T08:40:51-07:00</dc:date><admin:generatorAgent xmlns:admin="http://webns.net/mvcb/" rdf:resource="http://www.typepad.com/" /><items><rdf:Seq><rdf:li rdf:resource="tag:typepad.com,2003:post-6a00d83451c5e369e2011571941ff6970b" /><rdf:li rdf:resource="tag:typepad.com,2003:post-6a00d83451c5e369e2011570d50c7c970c" /><rdf:li rdf:resource="tag:typepad.com,2003:post-6a00d83451c5e369e20115709ef96d970c" /><rdf:li rdf:resource="tag:typepad.com,2003:post-6a00d83451c5e369e20115709ef928970c" /><rdf:li rdf:resource="tag:typepad.com,2003:post-6a00d83451c5e369e20115715b8a18970b" /><rdf:li rdf:resource="tag:typepad.com,2003:post-68443757" /><rdf:li rdf:resource="tag:typepad.com,2003:post-68365239" /><rdf:li rdf:resource="tag:typepad.com,2003:post-68041489" /><rdf:li rdf:resource="tag:typepad.com,2003:post-68039949" /><rdf:li rdf:resource="tag:typepad.com,2003:post-67857549" /></rdf:Seq></items><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" href="http://feeds.feedburner.com/DebtHater" type="application/rss+xml" /></channel><item rdf:about="tag:typepad.com,2003:post-6a00d83451c5e369e2011571941ff6970b"><title>A Modest Increase, Recommitting to Saving</title><link>http://feedproxy.google.com/~r/DebtHater/~3/JJU3czwFZrM/a-modest-increase-a-savings-boon.html</link><dc:subject>My finance journal</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-07-10T08:40:51-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<p><span style="font-size: 14px; font-family: Trebuchet MS;">Long story short, I got a promotion at my job.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Many of you who read me know that I'm not exactly satisfied at my job, but I try to stay professional, completing the projects I do have in a polished, precised and quick manner.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Apparently, that was enough to move me into a management position. The one thing I do like about this new opportunity it leading my team, a talented, creative, fun group of young people. I'd like to think I can help them develop and maybe help them push through some of their ideas that sometimes get stifled or stuck on the back burner.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">But I am NOT happy about the pay.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Negotiations did not go well. Unfortunately, the sour economy provides companies with a plethora of excuses for mistreating, undercompensating and overworking their employees. I asked about my new salary and my new boss gave me a blank stare like "Oh, you mean you want a raise to go with your deluge of new responsibilities?"</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">I stared back like "Did you think I was going to do all this mess for NOTHING?"</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">I suggested a number. He said he had a number in mind. I asked what it was. He said he couldn't say at that time. Huh? I sent over information I researched on what people in comparable positions make... almost twice what I was asking.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">In the end, I got an annual increase of $4,000. Um yeah. So now I get paid what I SHOULD have been making when I started here. But that part is nobody's fault but mine. I should have gone back to the table once more when they first offered me the job (I rejected their first offer, which was just insulting. Should have pushed again the second time, but coulda woulda shoulda).</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">After all that I went straight to the CEO and told him I thought this pay increase was a joke (not using those words, of course). He agreed (but not really) and offered stock options... in case there were any available later. What? Why did I stay? Because I need a job -- which sucks. While I am looking at other opportunities, I'm not in a position to turn down money, no matter how small. Not yet.</span> Besides, the increase in responsibility, the move into management, the title change and some of my new responsibilities will help me to fill out spaces in my resume and experience that I lack and will put me in a better position to negotiate later. And I get bolder with every negotiation I have to make, so I am growing.</p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Anyway, blah blah, boo hoo.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">For the mean time, I plan to save the entire raise in my IRA. I admitted before that I had stopped saving in the IRA after the company stopped offering the match. I just focused all my cash into saving six months of living expenses.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">So, that's it. Not nearly as exciting a promotion and raise should be!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">DH</span></p><div class="feedflare">
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</div>]]></content:encoded><description>Long story short, I got a promotion at my job. Many of you who read me know that I'm not exactly satisfied at my job, but I try to stay professional, completing the projects I do have in a polished,...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/07/a-modest-increase-a-savings-boon.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-6a00d83451c5e369e2011570d50c7c970c"><title>Time to Paint the Bedroom on a Budget</title><link>http://feedproxy.google.com/~r/DebtHater/~3/raOczygJtvo/time-to-paint-the-bedroom-on-a-budget.html</link><dc:subject>My finance journal</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-07-06T08:56:05-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p style="font-size: 14px; font-family: Trebuchet MS;">I know some people love white walls but I, generally, hate them. Unless your whole decor is based on white, then I think white walls are sterile, boring, and they remind me of a hospital room.</p><p style="font-size: 14px; font-family: Trebuchet MS;">When I moved into my new apartment, I already knew I wanted to paint. I had wild ideas for the living room that I have scaled back and may have dropped altogether (think primary yellow, primary blue and dark orange... yeah, I know).</p><p style="font-size: 14px; font-family: Trebuchet MS;">When it comes to these types of projects, I tend to bite off more than I can chew and spend more than necessary (hello $2,000 when I moved in!). To stop myself from diving in and spending a fortune on a room in a place I don't own, I have been planning my bedroom for two months. My idea is based on a satin pillow I own. It's green, with sweet
potato-colored flowers, with black, white and grey accents. (I know
that sounds scary, but I will post a picture later and you will see
that it's actually awesome.)<br>
My theme is Asian-esque forest. I was inspired by the Imperial Gardens
we visited in Tokyo, so there will be purple accents and a leaf motif. I have a pile of paint chips and took my pillow to Home Depot to match the colors as close as I could.<br>My budget is $250, which I have saved from a small freelance project I did a few months ago.</p><p style="font-size: 14px; font-family: Trebuchet MS;">This weekend, I got started buying my materials as I was in sales tax-free Delaware. I bought paint at Home Depot in Jungle Trail and Ryegrass for $46.94, but that's before the $10 mail-in rebate, holla! I went to Ikea in Maryland and bought a pretty white lamp to sit on my bedside table and add a warm glow (but not enough light to read by... will have to solve that another way). I also bought sheets (and fabric for another project).</p><p style="font-size: 14px; font-family: Trebuchet MS;">I also scored paint trays and paint rollers for FREE on Freecycle.org, which you really should join in your local area. It's a good place to unload useful items that you probably won't be able to sell (or that you'd rather just give away) and to find items you need. I'm still trying to get a plastic drop cloth on Freecyle, but I may have to buy one.</p><p style="font-size: 14px; font-family: Trebuchet MS;">I will get started this week! I was thinking of doing it all on the weekend, but I think I'll do it little by little all week.</p><p style="font-size: 14px; font-family: Trebuchet MS;">My tally so far:</p><p style="font-size: 14px; font-family: Trebuchet MS;"><strong>Bedroom Budget -- $250</strong></p><p style="font-size: 14px; font-family: Trebuchet MS;">Paint &amp; cornering brush    $60.11</p><p style="font-size: 14px; font-family: Trebuchet MS;">Ikea (lighting, bedding, misc.)       $51.89</p><p><p style="font-size: 14px; font-family: Trebuchet MS;"><em><strong>Remaining            $138</strong></em></p></p></div><div class="feedflare">
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</div>]]></content:encoded><description>I know some people love white walls but I, generally, hate them. Unless your whole decor is based on white, then I think white walls are sterile, boring, and they remind me of a hospital room. When I moved into...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/07/time-to-paint-the-bedroom-on-a-budget.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-6a00d83451c5e369e20115709ef96d970c"><title>Quarterly Report: Halfway through the Year, More Work to Do On Goals</title><link>http://feedproxy.google.com/~r/DebtHater/~3/zaK6VsB0utY/quarterly-report-halfway-through-the-year-lots-of-work-to-do-on-goals.html</link><dc:subject>My finance journal</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-07-02T17:42:17-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<p><span style="font-size: 14px; font-family: Trebuchet MS;">The second quarter of the year is officially over. (I don't know about y'all, but I don't like this time flying business. Wasn't it New Year's five minutes ago?)</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">It's time for a new toothbrush, time to switch to new baking soda boxes in the fridge and the freezer, time to flip the mattress and time to check in on the goals I set for myself this year.</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">Frankly, I was a little afraid to check in on my progress but it turns out I'm doing pretty well!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">You may remember that I set out some (vague) <a href="http://debthater.typepad.com/debt_hater/2009/01/debt-hater-in-2009-investing-in-me.html">goals at the start of the year</a>, both financial and personal. I <a href="http://debthater.typepad.com/debt_hater/2009/04/through-the-first-quarter-of-2009-how-im-doing.html">checked in at the end of the first quarter</a> and was cooking on only half of them. I am doing better at the end of the second quarter!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Some numbers: I saved 20% of my income in the second quarter and have four months of living expenses saved in my e-fund.<br></span></p><p><br><strong><em><span style="font-size: 14px; font-family: Trebuchet MS;">    * Contribute to my emergency fund with the goal of reaching six months of living expenses.</span></em></strong></p><p style="font-size: 14px; font-family: Trebuchet MS;"> <span style="color: #007f40; font-size: 13px; font-family: Trebuchet MS;">   <span style="font-size: 14px; font-family: Trebuchet MS;">YES! On track for this one. When I got my bonus, I used about half the money to shore up the deficit I created in my emergency fund when I moved and had to pay to get my car fixed. But I wanted to get this done by the end of the year to move on to my next set of savings goals (me personally, I need to focus one at a time). I squeezed my budget a little tighter to put about TWICE what I thought I could afford to stash into my emergency fund. Right now, I have saved four months of living expenses! If I continue with my current savings, I should have the next two months saved by December (or sooner)!</span></span></p><p></p><p style="color: #007f40; font-size: 14px; font-family: Trebuchet MS;"><span style="font-size: 13px; font-family: Trebuchet MS;"> <span style="font-size: 14px; font-family: Trebuchet MS;">   What I do want to do here in the interim, though, smarter, more lucrative options for my e-fund because the rates on online savings accounts and CDs are no longer cutting it. I am CD laddering most of the money I have now with about 20% of it immediately liquid in my hi-yield (ha!) online account. There has got to be something better.</span></span></p><p><strong><em><span style="font-size: 14px; font-family: Trebuchet MS;">    * Contribute to my 401k or open my own IRA.</span></em></strong></p><p>  <span style="font-size: 14px; font-family: Trebuchet MS;">  </span><span style="color: #c00000; font-size: 14px; font-family: Trebuchet MS;">Ok, no. I have been uber lazy on this. Instead of saving and investing in retirement, I've been saving in the e-fund.</span></p><p><em><strong><span style="font-size: 14px; font-family: Trebuchet MS;">    * Get on the path to homeownership.</span></strong></em></p><p> <span style="font-size: 14px; font-family: Trebuchet MS;">   </span><span style="color: #007f40; font-size: 14px; font-family: Trebuchet MS;">Yes! Ok, mostly I am in the research phase now reading books, blogs and news reports, looking at properties online and looking for Realtors to talk purely information with. I don't want any sales pitches, I don't even want to look right now. I am just curious what's out there, what would work best for me and just how much money I'd need to make this happen. Hence, this is another savings goal for me... I just don't know how much I need to save yet!</span></p><p style="font-size: 14px; font-family: Trebuchet MS;"><em><strong><span style="font-size: 14px;">    * Develop new skills and learn new techniques to help me on my career track.</span></strong></em></p><p style="font-size: 14px; font-family: Trebuchet MS;">    Sort of! More on this in another post.</p><p><em><strong><span style="font-size: 14px; font-family: Trebuchet MS;">    * Earn more money through various ventures including more freelance writing.</span></strong></em></p><p> <span style="color: #c00000; font-size: 14px; font-family: Trebuchet MS;">   I completed three freelance assignment so far this year, two in the second quarter. That's better than I've ever done before. But I have not sent out any queries as I said I would do by the end of May... so that just means I have to send two out before the end of JULY. I will do that.</span></p><p style="color: #c00000; font-size: 14px; font-family: Trebuchet MS;">    I am also thinking about side hustles and passive income. I don't want to necessarily work hard for every penny I earn and passive income can be invested. So... stay tuned on that.</p><p><em><strong><span style="font-size: 14px; font-family: Trebuchet MS;">    * Go on a big vacation this year with the target date my 32nd birthday, September 25.</span></strong></em></p><p style="color: #407f00; font-size: 14px; font-family: Trebuchet MS;">    YES! I'm so gangsta, I am taking TWO big trips this year. I already went on an impromptu trip to Tokyo with my best friend in the start of June and loved every moment of our brief journey (well, except my tangle with American Airlines). I have booked our hotel, booked my flight and started making arrangement for my birthday trip to Hawaii! The cash is saved up and, so far, I'm coming under budget, which is exciting!</p><p><em><strong><span style="font-size: 14px; font-family: Trebuchet MS;"> <span style="font-size: 14px; font-family: Trebuchet MS;">   * Make new friends and make time for old ones.</span></span></strong></em></p><p style="font-size: 14px; font-family: Trebuchet MS;">    <span style="color: #007f40; font-family: Trebuchet MS;">Not so much in the new friends department, but I have been kicking it with old friends more often! After Michael Jackson passed, I met up with Single Ma and some of her friends to dance all night to MJ! Yes, I was doing as much of the Thriller dance as I remembered and I did hid kick and his little head waggle with the arms stretched out. I really didn't realize how much I loved MJ until now. *Sniff Sniff*</span></p><p style="font-size: 14px; color: #007f40; font-family: Trebuchet MS;">    My guy and I have been working through a lot and having a lot more fun together.</p><p style="color: #007f40; font-size: 14px; font-family: Trebuchet MS;">    This month, by best friend and her sister are coming to town and I've already got some off-the-wall stuff planned for them. Can you say trapeze lessons? Yes!</p><p style="font-size: 14px; font-family: Trebuchet MS;"><span style="font-size: 14px;">   <em><strong> * Take better care of my physical self -- including taking up yoga, exercising regularly and improving my diet.</strong></em></span></p><p> <span style="color: #ff0000; font-size: 14px; font-family: Trebuchet MS;">   Almost! After nearly six months of blah blah blah, I finally started yoga classes! AND I get up to go to the 6:15 a.m. class twice a week and go at 9:30 a.m. on Saturdays! Now, some of you may be like, so what, I do yoga from 4 a.m. to 7 a.m. every day and get to work showered and dressed by 8 a.m. But you don't know me. I have never been able to get up early, even as a little kid. Christmas Day was the one exception. And I like it! The early classes are geared more toward beginner's and I have been feeling pretty good all day, not tired at all (until I get home, then it's nightie night by 10 p.m.).</span></p><p style="color: #ff0000; font-size: 14px; font-family: Trebuchet MS;">    Besides the yoga, I haven't been doing much else and want to. Oh yeah, diet, um... McDonald's and I have met more times in the last three months than in the previous year. So, either I'm not hungry and skip meals altogether or it gets so late I ain't cooking and nothing is open save junk food joints. Gotta rectify this mess.</p><p><em><strong><span style="font-size: 14px; font-family: Trebuchet MS;">    * Take better care of my emotional and spiritual self, including spending more time having fun!</span></strong></em></p><p style="color: #007f40; font-size: 14px; font-family: Trebuchet MS;">    YES! I feel great. I only feel so so about my finances and professional life, but all in all, I feel better than I have in a while. I also learned a lot about myself a lot about how to deal with things I would have avoided before or compromised far too much on. I am learning to stand my ground and ask for what I want.</p><p><em><strong><span style="font-size: 14px; font-family: Trebuchet MS;">    * Write for myself. (I've always wanted to write a novel. So I will get started!)</span></strong></em></p><p style="color: #007f40; font-size: 14px; font-family: Trebuchet MS;">    YES! I've written three short stories in that many months which is phenomenal. It feels so good to finally do what I've always loved doing and put down for reasons I don't even remember. My goal is to go back and make those three perfect and write three more before the end of the quarter. Right now, I have no end goal for my writing. I just want to do it at this point. Having a creative outlet feels wonderful.</p><p></p><p> <span style="font-size: 14px; font-family: Trebuchet MS;">   Not too shabby. What I want to do next is </span><a href="http://debthater.typepad.com/debt_hater/2007/02/youve_been_smac.html">make some of these goals SMART</a><span style="font-size: 14px; font-family: Trebuchet MS;">. Vague, unspecific goals tend to be goals that are never met because, well, HOW do you meet them?</span></p><p>   <span style="font-size: 14px; font-family: Trebuchet MS;"> I'll work on that this weekend.</span></p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;">    DH</p><div class="feedflare">
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</div>]]></content:encoded><description>The second quarter of the year is officially over. (I don't know about y'all, but I don't like this time flying business. Wasn't it New Year's five minutes ago?) It's time for a new toothbrush, time to switch to new...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/07/quarterly-report-halfway-through-the-year-lots-of-work-to-do-on-goals.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-6a00d83451c5e369e20115709ef928970c"><title>$27 to Get Through the Rest of June</title><link>http://feedproxy.google.com/~r/DebtHater/~3/CDewA-qSVdU/27-to-get-through-the-rest-of-june.html</link><dc:subject>Monthly Reports</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-06-30T15:20:57-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<p><span style="font-size: 14px; font-family: Trebuchet MS;">Wow, so, like, yeah. I have a few hours left in June and thankfully my time will be completely occupied so I WON'T spend every last penny I earned this month.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">But dang, down to the wire!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">I can tell you right now that eating out, clothing and just plain partying were the culprits.</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">I went $110 over on eating out (I know, I don't even know how I did it), $35 over on clothes and $65 on "entertainment," which includes everything from books, to movies, to happy hours.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">I also got a parking ticket and paid nearly $10 in late fees to the library. It ain't free if you don't return the stuff you borrow!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">So, according to my budget, I spent $30 over what I budget for discretionary money (the money left over after I save, pay the bills and get necessities). I said in a previous post, that I MUST spend just the $650 I budget for discretionary funds, otherwise I'm going to run into problems or accidentally spend money allocated for necessities or bills. The only reason I have $27 left for the month is because I DIDN'T spend very much on necessities. I came under budget in many of those categories.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">But, I also have to say that the other reason I got down to $27 left in June is because I saved more money that i budgeted for. I am pushing hard to get to six months of living expenses saved and I squeezed a bit more out of the budget. I have four months down. I expect to reach my savings goal by the end of the year -- right on schedule.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">So, it's already the end of the day. I'll finish June in the black (barely), but really need to consider just how to quit going nuts on dining out. But I love eating out! </span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">DH</span></p><div class="feedflare">
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</div>]]></content:encoded><description>Wow, so, like, yeah. I have a few hours left in June and thankfully my time will be completely occupied so I WON'T spend every last penny I earned this month. But dang, down to the wire! I can tell...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/06/27-to-get-through-the-rest-of-june.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-6a00d83451c5e369e20115715b8a18970b"><title>Michael Jackson Has Passed On</title><link>http://feedproxy.google.com/~r/DebtHater/~3/ROavZhDb7tM/michael-jackson-has-passed-on.html</link><dc:subject>Music</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-06-25T16:26:31-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<p><span style="font-size: 14px; font-family: Trebuchet MS;">I know this has nothing to do with personal finance, but this is my blog and I'll write what I want.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">I am sad about Michael Jackson. As much as his life became a circus sideshow, I always felt like he was a wounded child trying to feel whole again. Everyone has a different psyche and some things one person might be able to take, another one just can't. I think Michael had a fragile psyche.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">The geniuses often seem to.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Tell what artist today or in the last 10 years got WHOLE FAMILIES to gather around the TV set to see the premier of their latest video? When Thriller came out, it was an event. We talked about it for days. That night, in my aunt and uncle's family room, we sat there glued to the set.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">When Bad came out, we waited all day for 7 p.m. or 8 p.m. or whatever it was. We popped popcorn and we watched Michael pretend to be some misunderstood nerd from the hood next to Wesley Snipes playing his brother in the streets. Michael was 10 shades lighter with longer, curlier hair than the last time we saw him. He busted out ballet moves in the subway system with a bunch of dancers cum thugs. It was absurd. It was silly. It was corny.</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">But we loved it and won't you slap my face because I'm BAD!!!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">I know people don't live forever and we see it every day. But I feel like little pieces of my childhood are slipping into a dark void every day.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">My brother and I had the Michael Jackson doll with the red zipper jacket, the high water black pants and the silver socks with little plastic loafers.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Even when I couldn't take him any more. Even after the first child molesting accusations (and for the record, I do believe something happened with both of those kids... I don't know what... but something), he'd put out something new and I'd think... this dude can still belt out a catchy tune! Even the lame songs were still pretty damn good.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">My favorite Michael Jackson song? I don't know. Man in the Mirror, Beat It, Thriller, Human Nature, She's Out of My Life... I don't know.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">What's yours?</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">DH</span></p><div class="feedflare">
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</div>]]></content:encoded><description>I know this has nothing to do with personal finance, but this is my blog and I'll write what I want. I am sad about Michael Jackson. As much as his life became a circus sideshow, I always felt like...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/06/michael-jackson-has-passed-on.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-68443757"><title>A Sign at the End of What Looks Like A Red Month</title><link>http://feedproxy.google.com/~r/DebtHater/~3/2eAfcgKNbT0/a-sign-at-the-end-of-what-looks-like-a-red-month.html</link><dc:subject>My finance journal</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-06-24T07:19:35-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><span style="font-size: 14px; font-family: Trebuchet MS;">It's only Wednesday and I was already planning my weekend (a weekend that, for me, was going to start Thursday night, but be interrupted by work on Friday). I wanted to see my favorite band Thursday night at a club near my apartment and maybe gather some girlfriends for bar hopping on Friday. I figured the guy and I would go see <em>Transformers: Revenge of the Fallen</em> this weekend despite the terrible reviews AND the fact that I didn't care much for the first one AND I think Michael Bay's hand on this franchise is the touch of death. I am going to a friend's house party Saturday night and started thinking of what new restaurant I could try for Sunday brunch.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Then, while riding the Metro this morning (no, I ain't scared) and reading the free </span><span style="font-size: 14px; font-family: Trebuchet MS;">Express</span><span style="font-size: 14px; font-family: Trebuchet MS;"> newspaper, I happened to read the horoscopes, which I never read because they are useless. My eyes fell on Libra and this is what I saw:</span></p><div class="blockquote" style="margin-left: 40px;"><span style="color: #ff0000; font-family: Trebuchet MS;"><strong><span style="font-size: 14px;">"Overspending can be quite dangerous; you're going to need to watch over all your resources with care and vigilance at this time."</span></strong></span><br></div><p><br><span style="font-size: 14px; font-family: Trebuchet MS;">GULP.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">I don't believe that this message was intended especially for me and all Librans everywhere, but sometimes when you need a reminder, a hint or a message, it comes to you in the strangest ways and places. </span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">This was right on time, it seems. I started to do the math in my head and realized that, yes, I am pretty sure I'm going to finish this month in the red.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">
I have no excuses other than I didn't monitor how much I spent on
eating out, I went over budget on clothes and otherwise wasn't paying
close attention to the funds this month. I'll give you the run down in
this month's report.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">The thing is, sometimes I know that I am running close to the end of my funds (I realized this last week as a matter of fact), but I just wanted to DO. And to HAVE. And to run around throwing caution to the wind and sorting it all out later. I don't always put on the brakes when it's time to. And this little note was like a sentinel standing in front of my bank account with a huge frown and big crossed arms over his chest shaking his head "No."</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">So... I will finish my day. I will add my all my receipts and know PRECISELY where I stand this month and if I'm cutting too deep, this will turn into a relaxing weekend in the chill of my air conditioner, reading the pile of books I got from the library and otherwise taking it easy and giving the debit card a rest.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">DH</span></p></div><div class="feedflare">
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</div>]]></content:encoded><description>It's only Wednesday and I was already planning my weekend (a weekend that, for me, was going to start Thursday night, but be interrupted by work on Friday). I wanted to see my favorite band Thursday night at a club...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/06/a-sign-at-the-end-of-what-looks-like-a-red-month.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-68365239"><title>Am I Having Too Much Fun, Or Paying Too Much For the Fun I'm Having?</title><link>http://feedproxy.google.com/~r/DebtHater/~3/1ToD04HpBU0/am-i-having-too-much-fun-or-paying-too-much-for-the-fun-im-having.html</link><dc:subject>My finance journal</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-06-22T07:59:49-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<p><span style="font-size: 14px; font-family: Trebuchet MS;">Well, to save you all some time, I'll answer the question right now, I'm NOT having  too much fun. </span><span style="font-size: 14px; font-family: Trebuchet MS;">I am having fun, which I think is just fine.</span><span style="font-size: 14px; font-family: Trebuchet MS;"> However, I may want to budget a little better for the fun I try to have. :-)</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">This weekend was wonderful. I spent it with my guy not doing anything terribly special, just things that we enjoy. I treated him to the movie <em>Up</em> and some movie snacks. <em>Up</em> was great! Those Pixar people know how to tell a story, which I commend them deeply for. It seems to be a lost art in Hollywood (note to anyone who may go see <em>Up</em>, aside from being very funny, there are a few moments that had me on the verge of crying... it was that touching. Good flick.).</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">We went to a matinee which saved a whopping $4 over seeing the movie later in the day. It worked out because we were finally able to get into Matchbox, a cool upscale pizza joint in Chinatown that we haven't been able to get into since I moved here (It's not exclusive or anything. It's just that every time we went together, the wait was in excess of two hours).</span> </p><p><span style="font-size: 14px; font-family: Trebuchet MS;">When we got home, my guy helped me install the air conditioner I finally bought using the money I got</span> back from converting my leftover Japanese yen to dollars.</p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Then I made oatmeal raisin cookies at home (to wit there are three left since my guy ate most them of them in the middle of the night while I was sleeping, but he denies it... so I guess the cookie monster living under the fridge did it).</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Two tickets, drinks and popcorn:  $35.75</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">Air conditioner: $157.57</span><br><strong><span style="font-size: 14px; font-family: Trebuchet MS;">TOTAL: $193.32</span></strong></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Sunday I made buttermilk biscuits, turkey sausage and pepper jack cheese grits for breakfast (yeah, I got skillz!). And then we pretty much lazed around watching DVDs. My guy made a dinner of baked red snapper with garlic and herb butter, sauted asparagus and pineapple salsa. It was good!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Then we went out to a lounge on U Street to see Julie Dexter and the Jaspects. Ok, so... it was my idea and my treat, so it cost me $40 for the two of us. Then, why did Ms. Dexter only sing 5 songs when it was her that we came to see? So, we stood there looking perplexed when she left the stage and all I could think was "I just dropped $20 each for that?" Then the Jaspects went on and we were pleasantly surprised. A band of 6 dudes who blended jazz, hip hop and electonica. They were reallyt good, but they need to work on their singing, or get a front man to do all the singing, while they do the rapping and the instrument playing. So, it turned out to be a nice night.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Two tickets to the show: $40</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">ATM fee because the club was cash only: $2.50</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">Tiny plastic cup of Coca-Cola because I was thirsty: $4</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">TOTAL: $46.50</span></p><p><strong><span style="font-size: 14px; font-family: Trebuchet MS;">Weekend Grand Total: $239.82</span></strong></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Counting the air conditioner, that's all my discretionary money for the rest of the month gone. But, since I used leftover vacation money for the air conditioner (as I had planned to do all along), I won't count it,  that's <strong>$82.25</strong> on the weekend -- leaving me about $113 in discretionary funds for the rest of the month... I can do it.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">And here I am, at my desk, on Monday morning, wishing it was still Sunday night.</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">Hope yall had a good one!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">DH</span></p><div class="feedflare">
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</div>]]></content:encoded><description>Well, to save you all some time, I'll answer the question right now, I'm NOT having too much fun. I am having fun, which I think is just fine. However, I may want to budget a little better for the...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/06/am-i-having-too-much-fun-or-paying-too-much-for-the-fun-im-having.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-68041489"><title>I've Been Tagged</title><link>http://feedproxy.google.com/~r/DebtHater/~3/SdDt6FZdWFY/ive-been-tagged.html</link><dc:subject>My finance journal</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-06-15T07:38:38-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<p style="font-size: 14px; font-family: Trebuchet MS;">The Rules:</p><p style="font-size: 14px; font-family: Trebuchet MS;">   1. Link to your original tagger(s) and list these rules in your post.<br>   2. Share seven facts about yourself in the post.<br>   3. Tag seven people at the end of your post by leaving their names and links to their blogs.<br>   4. Let them know they’ve been tagged. </p><p style="font-size: 14px; font-family: Trebuchet MS;">The Original Tagger</p><p style="font-size: 14px; font-family: Trebuchet MS;">    *<a href="http://debtorinthecity.blogspot.com/">Debtor at </a><span style="font-family: Trebuchet MS;"><span style="text-decoration: underline;">Debt and the City</span></span> tagged me. </p><p style="font-size: 14px; font-family: Trebuchet MS;">Seven Facts</p><p style="font-size: 14px; font-family: Trebuchet MS;">   1. I stopped contributing to my company 401k when they stopped matching and have not gone back to contributing yet. (Please don't send me any scolding e-mails or comments, I know, I know!)<br>   2. I have four months of living expenses saved. Two more months to go!<br>   3. I love to write. I really do.<br>   4. I hate working. I really do.<br>   5. If I could snap my fingers and have the life I want, fully financially free, I would be married to my guy with kids, living in a nice house, regularly traveling to far flung places with my hubby and with my friends, running a successful online publication and writing fiction that actually sold. For fun, I'd bake beautiful cakes and desserts for whoever wanted them!<br>   6. I am lazy. I don't know when it started, because I used to be an overachieving go getter. I'm a total slacker now.<br>   7. Fall is my favorite season because the weather is most beautiful in the Northeast, the trees are ablaze with color and the Fall fashions are killer!</p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p><p style="font-size: 14px; font-family: Trebuchet MS;">Don't be mad, but I am not tagging anyone. Most of the bloggers I know and others I follow have done this several times already so I won't subject them to do it again... unless ya'll want to! Volunteer in the comments and consider yourself tagged!</p></p><div class="feedflare">
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</div>]]></content:encoded><description>The Rules: 1. Link to your original tagger(s) and list these rules in your post. 2. Share seven facts about yourself in the post. 3. Tag seven people at the end of your post by leaving their names and links...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/06/ive-been-tagged.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-68039949"><title>A Word on Customer Service</title><link>http://feedproxy.google.com/~r/DebtHater/~3/XaGa-qpdfLI/a-word-on-customer-service.html</link><dc:subject>My money opinions, rants and pep talks</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-06-12T12:05:59-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<p><span style="font-size: 14px; font-family: Trebuchet MS;">Now that you've seen my pics about my whirlwind trip to Tokyo, let's talk about some of the less pleasant aspects of the trip (and contrast them with the pleasant ones).</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">As most of you know, my trip was cut short because American Airlines canceled my original flight to L.A. I know no one purposely caused a maintenance problem on the plane, but how they managed the customers afterward was entirely in their control.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">I stood in line for longer than an hour waiting to speak to the employees who were rebooking all the jilted passengers on the flight. As I stood there, I was searching flights on other airlines and trying to see if I could still get to L.A. and to Tokyo the same day. When I finally got to the counter and explained how I NEEDED to be in L.A. before 2 p.m., they told me "Flying is risky." HUH? "Why didn't you book my entire trip with one airline?" WHAT? You're interrogating me about how I planned my trip when YOUR airline fugged up? So, they didn't try at all to get me to L.A. when I needed to be there, but offered to book me on another flight that would get me to L.A. at 6 p.m., when being in L.A. was useless to me. </span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">After I sobbed in a seat, I went back to trying to book my own flight. Finally, I told them to put me on the same scheduled flight for Tuesday, which they did and not with a big ole apologetic grin. No, chick at the counter was like "Whatever." I promptly got on the phone and demanded that somebody at American Airlines give me back my money. They couldn't do that because I was already booked on another flight.</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">Travel vouchers? No.</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">You realize you just cost me a day in my hotel. Sorry.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Disgusted, I went back home, resigned. Then I got mad and got back on the phone with American Airlines. And, apparently, somebody had taught this young woman I spoke to next how to treat a customer. I told her the situation and said I wanted my money back. She promptly refunded it.</span><br><span style="font-size: 14px; font-family: Trebuchet MS;">I told her that I wanted my money back for the bag fee I paid. She tried to get it back, couldn't on her system, and told me EXACTLY where to go on the Web site to request a refund, which I did while I was still on the phone with her.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">When we were done, I asked her name again. She told me, apologize for the trouble and thanked me for my business. I hung up, went back to the same place on the Web site and then sent in a commendation. I wrote an e-mail explaining how helpful she had been when several other American Airline employees were terrible.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">When I got back from Tokyo, my check for the $15 bag checking fee was in my mailbox. Betta had.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">But was that so hard? What stopped the three other people I spoke to from doing what this girl did in five minutes? Regardless of whether this was a fluke, someone was having a bad day or a bad life or whatever, I WON'T be flying American again.</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">My experience with Singapore Air and at the airport in Tokyo was a stark contrast. The check-in agent was swift and polite. Before I knew what happened, I was checked in and the agent was all smiles. When I called the airline to explain what happened, they booked me on the flight the next day and waived the change fees. </span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">So, to American Airlines, and any other company that decides reconciling problems for your customers isn't important today:</span></p><div class="blockquote" style="margin-left: 40px;"><span style="font-size: 14px; font-family: Trebuchet MS;">Don't you realize you're only as good as your last gig? You pissed me off that much and messed me up that bad and couldn't even apologize. I understand that the attendants didn't sabotage the plane. I know it's not their fault it would take 3 hours to get a part and 3 hours to make the repairs. I wasn't mad at them for that. I was mad about the attitude once I got to the counter. I don't care if you had to help 100 other people. What's that got to do with me? I paid to get on this flight like the rest of them. And I didn't cause the malfunction either. Explain to me why you can't just refund my money with a few keystrokes. Why do I have to call you three different times, progressively angrier each time? Why do I have to jump through hoops? You got it backward, I'M the customer. YOU jump through the hoops.</span><br><br><span style="font-size: 14px; font-family: Trebuchet MS;">In the digitial age, all I have to do is blast you on every blog I can find. Why treat people badly when you don't know how it will come back to you? As if your industry is doing so well you can afford to mistreat people. Oh no, it's not like there aren't a dozen other airlines competeing for the same business.</span><br><br><span style="font-size: 14px; font-family: Trebuchet MS;">I'm not sure what happened to customer service, but it died. I will spend my money where I am treated like my money is appreciated! Or I will keep my money to myself. I don't have to tolerate bad attitudes, incompetence, sllooooowww service or any other customer service No-Nos.</span><br><br><span style="font-size: 14px; font-family: Trebuchet MS;">Customer service is the difference between me shopping with you every time and encouraging other to do so and me NEVER dealing with you again and discouraging others from patronizing your business. Word travels fast -- look what happened to the American auto companies. They were suffering from bad PR from the 1980s! You don't guilt, threaten or assume people into patronizing your business. You work to satisfy their needs and wants and make their experience with you pleasant.</span><br><br><span style="font-size: 14px; font-family: Trebuchet MS;">Take a lesson from the Japanese -- Politeness was paramount. If one person couldn't help me, they found someone who could. If they couldn't help me at all, they apologized. If anyone rolled their eyes or muttered about me under their breath, they weren't dumb enough to do it so I could see or hear them!</span><br><br><span style="font-size: 14px; font-family: Trebuchet MS;">Customer service in not intangible. It translates directly to dollars. Mine, you won't see again.</span><br></div><p><br><span style="font-size: 14px; font-family: Trebuchet MS;">DH</span></p><div class="feedflare">
<a href="http://feeds.feedburner.com/~ff/DebtHater?a=XaGa-qpdfLI:LZ_RiKRzfgM:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/DebtHater?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/DebtHater?a=XaGa-qpdfLI:LZ_RiKRzfgM:V_sGLiPBpWU"><img src="http://feeds.feedburner.com/~ff/DebtHater?i=XaGa-qpdfLI:LZ_RiKRzfgM:V_sGLiPBpWU" border="0"></img></a>
</div>]]></content:encoded><description>Now that you've seen my pics about my whirlwind trip to Tokyo, let's talk about some of the less pleasant aspects of the trip (and contrast them with the pleasant ones). As most of you know, my trip was cut...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/06/a-word-on-customer-service.html</feedburner:origLink></item><item rdf:about="tag:typepad.com,2003:post-67857549"><title>All About My Trip to Tokyo!</title><link>http://feedproxy.google.com/~r/DebtHater/~3/vU6LEews3uc/all-about-my-trip-to-tokyo.html</link><dc:subject>Travel</dc:subject><dc:creator>Debthater</dc:creator><dc:date>2009-06-08T20:33:35-07:00</dc:date><content:encoded xmlns:content="http://purl.org/rss/1.0/modules/content/"><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p style="font-size: 14px; font-family: Trebuchet MS;">Well peeps, I am back in the states and readjusting to local time.</p><p style="font-size: 14px; font-family: Trebuchet MS;">I had a great time in Tokyo despite the short duration of our trip (thank you SO MUCH <a href="http://debthater.typepad.com/debt_hater/2009/06/i-am-not-on-my-way-to-tokyo-and-american-airlines-is-the-worst.html">stupid American Airlines!</a>). Just to recap if you missed it, I did not arrive in Tokyo Tuesday evening as scheduled because my flight to L.A. was delayed, then canceled. I got my money back from American Airlines and flew out to L.A. the following day on United. The United flight was smooth as butter, but I lost an entire day of my trip (and that day, I found out later, would have made a world of difference!).</p><p style="font-size: 14px; font-family: Trebuchet MS;">
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<p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570dfbde5970b-pi" style="display: inline;"><img align="left" alt="CIMG2387" border="10" class="at-xid-6a00d83451c5e369e2011570dfbde5970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570dfbde5970b-800wi" style="width: 175px; height: 130px;" title="CIMG2387"></img></a> My Singapore Airlines flight to Tokyo was wonderful! I got an exit row seat so there were no seats in front of me, a huge plus for an 11-hour flight and my long legs. We had recent movies available, American TV shows, Japanese TV show and lots of music available (headsets were free!). We got a little pouch with comfy socks, a toothbrush and toothpaste AND a menu of both American and Japanese-style meals. And, most importantly, drinks were free! I had some Riesling with my unagi and rice meal featuring cold soba noodles as an appetizer. A few hours later, we had fried noodles and coffee cheesecake. I was so happy. </p><p style="font-size: 14px; font-family: Trebuchet MS;">
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<p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feafb7a970c-pi" style="display: inline;"><img align="left" alt="CIMG2595" border="10" class="at-xid-6a00d83451c5e369e201156feafb7a970c image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feafb7a970c-800wi" style="width: 164px; height: 122px;" title="CIMG2595"></img></a> My friend and I stayed at the Four Seasons Hotel Chinzan-so, a luxury hotel more in the European style. The staff was outrageously polite and spoke quite a bit of English (which was oddly disappointing. I wanted to practice my arigato!). We had a huge garden with a stream filled with giant goldfish, a pagoda from the 1700s and places to sit in near silence even though the entire thing was surrounded by the city. I got in late that night, so we just went walking around the neighborhood to find some grub. Thank God just about every place in Tokyo has menus with pictures of the food! If not for the pictures we would have starved. No one spoke English an we didn't speak any Japanese. <a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570dfe0ca970b-pi" style="display: inline;"><img align="right" alt="CIMG2407" border="10" class="at-xid-6a00d83451c5e369e2011570dfe0ca970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570dfe0ca970b-800wi" style="width: 162px; height: 121px;" title="CIMG2407"></img></a> We found a spot and pointed to some sort of stew looking thing, fried dumplings and fried sesame seed balls. The stew turned out to be beef with noodles and my mouth still waters just thinking about it! If I could get some right now, I would! The dumplings were typical gyoza and the sesame seed balls had mochi (chewy, glutinous rice) and sweet red bean paste inside. DELICIOUS! </p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;">Our first day, we went on a bus tour to some major sites like the Meiji Shrine and the Imperial Palace garden. The shrine (Shinto, Japan's number one religion) was huge and surrounded by greenery. Out front there were sake drums on display (but no sake to drink!). Before we went into the shrine, we had to purify ourselves by washing our hands and our mouths in a spring. Inside the grounds, you could write little prayers on wooden boards and hang them up. The Shinto priests apparently go through all of them. We could not go into the interior of the shrine though, which I kinda liked. It is a place of worship after all, no need to have random people traipsing through.</p><p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feb0507970c-pi" style="display: inline;"><img align="left" alt="CIMG2455" border="10" class="at-xid-6a00d83451c5e369e201156feb0507970c image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feb0507970c-800wi" style="width: 201px; height: 152px;" title="CIMG2455"></img></a> The Imperial Palace Garden was gorgeous, though it was clear our tour guide was a little annoyed by Japan's imperial family. Tokyo is 2,187 sq kilometers and the Imperial palace and its grounds take up 3.4 sq kilometers, roughly the size of Central Park, but only 2 people live there. Meanwhile, more than 12 million people live in the rest of Tokyo. They're lives are subsidized by taxes the residents pay. "And they don't even come out to say thank you," our tour guide said with a smile, but I could tell he didn't think it was cute.</p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e01ff0970b-pi" style="display: inline;"><img align="right" alt="CIMG2475" border="10" class="at-xid-6a00d83451c5e369e2011570e01ff0970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e01ff0970b-800wi" style="width: 188px; height: 141px;" title="CIMG2475"></img></a> Can I say that one of my favorite sites in Tokyo was all the kids in uniforms? Yes, I know I'm weird. But I got a kick out of it. I saw dozens of children of all ages walking to school, out to lunch and sometimes just in the middle of the day (we couldn't tell if they were playing hookie or what because they had their uniforms and their black bookbags, so...). They were by themselves. No adults accompanied even the little little kids. Some kids had sailor looking uniforms. Others had gray sweaters over crisp white shirts. Some skirts were down to the knee, other skirts were down near to the ankles. </p><p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e0232e970b-pi" style="display: inline;"><img align="left" alt="CIMG2473" border="10" class="at-xid-6a00d83451c5e369e2011570e0232e970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e0232e970b-800wi" style="width: 194px; height: 147px;" title="CIMG2473"></img></a> We walked down a shopping arcade not far from the big Buddhist temple in Asakusa (our guide told us that most people in Japan are both Shinto and Japanese, but most young people have Christian, Western-style weddings). We saw old women buying shoes, sandals, sweets, and sundries. We couldn't figure out what anything was in the drug store. All the little bottles and boxes were written completely in Japanese. Is this aspirin or gingko biloba? No idea.</p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feb4b46970c-pi" style="display: inline;"><img align="right" alt="CIMG2482" border="10" class="at-xid-6a00d83451c5e369e201156feb4b46970c image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feb4b46970c-800wi" style="width: 194px; height: 145px;" title="CIMG2482"></img></a> Then we found the Metro station and descended to make our way to Akihabara electronics town, a whole section of the city filled with electronics malls, anime museums, robotic, whatever you can think of. Being from New York City made a big difference here. We were able to decipher the subway system thanks to most of the signs being in Japanese AND English. The automated voice on the subway cars announcing the next stop in both languages was a HUGE help. </p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e05b98970b-pi" style="display: inline;"><img align="left" alt="CIMG2538" border="10" class="at-xid-6a00d83451c5e369e2011570e05b98970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e05b98970b-800wi" style="width: 198px; height: 147px;" title="CIMG2538"></img></a> <a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06003970b-pi" style="display: inline;"><img align="right" alt="CIMG2547" border="10" class="at-xid-6a00d83451c5e369e2011570e06003970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06003970b-800wi" style="width: 198px; height: 146px;" title="CIMG2547"></img></a> The next morning, we went on to what I felt was the highlight of our trip, the Tsukiji Fish Market. The largest fish market in the world, the auctions start at 5 a.m. We did NOT get up that early, and arrived at the market bout 7 a.m. It was non-stop hustle and bustle from the moment we got there. Men on mini trucks drove through the narrow passages between the stalls, where more men lifted huge fish out of boxes, or cut giant tuna into steaks or skinned <a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e064df970b-pi" style="display: inline;"><img align="left" alt="CIMG2544" border="10" class="at-xid-6a00d83451c5e369e2011570e064df970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e064df970b-800wi" style="width: 191px; height: 143px;" title="CIMG2544"></img></a> and gutted eels. I saw live jumbo shrimp flopping about out of water, and fish heads as big as my friend! We had to jump out of the way of the workers, but I didn't feel too crazy because there were other tourists trying not to get fish guts in them while they snapped photos. The energy in that place was electric and it really didn't smell as bad as you might think! There were octopi (octopuses?) folded up and looked like some sort of exotic flowers. There were boxes of black, spiny sea urchins and fish I've never seen before in my life.</p><p><br><span style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feb8a36970c-pi" style="display: inline;"><img alt="CIMG2566" border="0" class="at-xid-6a00d83451c5e369e201156feb8a36970c image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e201156feb8a36970c-800wi" style="width: 196px; height: 146px;" title="CIMG2566"></img></a> <a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06b1e970b-pi" style="display: inline;"><img alt="CIMG2572" border="0" class="at-xid-6a00d83451c5e369e2011570e06b1e970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06b1e970b-800wi" style="width: 195px; height: 146px;" title="CIMG2572"></img></a> <a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06d40970b-pi" style="display: inline;"><img align="left" alt="CIMG2576" border="10" class="at-xid-6a00d83451c5e369e2011570e06d40970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06d40970b-800wi" style="width: 196px; height: 147px;" title="CIMG2576"></img></a> We finished it off with a trip to Daiwa Sushi for our sushi breakfast. And let me tell you, it was oishii (Japanese for delicious)! I have a pretty standard set of sushi rolls I get whenever I eat sushi and this was an opportunity to eat things I NEVER would have picked on my own. My friend and I were at the merci of the sushi chefs, whatever they made, that's what we had to eat. We started with tuna sashimi, which we've had before, then mackerel, which I never had. The meat was soft and a little sweet. We had squid, not the tentacles or the sucker things, but the flesh. It was snow white and, frankly, quite tasty. Nothing was fishy tasting or chewy (which is why I <a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06f5d970b-pi" style="display: inline;"><img align="left" alt="CIMG2575" border="10" class="at-xid-6a00d83451c5e369e2011570e06f5d970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e06f5d970b-800wi" style="width: 327px; height: 245px;" title="CIMG2575"></img></a> hate calamari, for example). I admit, I did freak a little when the chef put baby squid in front of us, tentacles, eyeballs and all. But, this was a challenge I issued to myself, so we just stuck it in our mouths, closed our eyes and chewed. It was good! The flavor was very mild, it wasn't at all chewy and I would totally eat it again!</span></p><p style="font-size: 14px; font-family: Trebuchet MS;">After the fish market, we just roamed the streets, stopping at a bookshop with Japanese books translated to English and we walked through the high end shopping neighborhoodsof Ginza and the trendier, hipper Omote-Sando. This was my least favorite part of the trip because we have Louis Vuitton right here and I can't buy it here, so what good was it doing me in Tokyo? We did find some cute shops, however, where we each bought ourselves new handbags!</p><p style="font-size: 14px; font-family: Trebuchet MS;"></p><p style="font-size: 14px; font-family: Trebuchet MS;"><a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e0760c970b-pi" style="display: inline;"><img align="left" alt="CIMG2600" border="10" class="at-xid-6a00d83451c5e369e2011570e0760c970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e0760c970b-800wi" style="width: 216px; height: 162px;" title="CIMG2600"></img></a> <a href="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e0784c970b-pi" style="display: inline;"><img align="right" alt="CIMG2609" border="10" class="at-xid-6a00d83451c5e369e2011570e0784c970b image-full " src="http://debthater.typepad.com/.a/6a00d83451c5e369e2011570e0784c970b-800wi" style="width: 218px; height: 163px;" title="CIMG2609"></img></a> We also spent a portion of the day hitting up the shopping malls to find gifts and trinkets for loved ones back home. Me, personally, I hate souvenirs. I don't like keychains and nonsense like that because no one uses them and they sit in a drawer, box or on a shelf and they, ultimately, are a waste of time and money. In this case, though, we were in Tokyo, so I wanted some real, Japanese stuff for my family and my guy. That was particularly challenging though. Tokyo is a big, cosmopolitan city of the world. Thus, like the U.S., many of the good we found were imported from China, Taiwan, Europe and the U.S.! I didn't want to get anyone anything I could easily find for them in the States. So we hit up some craft stores and bought a lot of food and snacks -- the most authentic Japanese things we could find (and still afford).</p><p><span style="font-size: 15px; font-family: Trebuchet MS;">We were too exhausted by that night to go to karaoke (which I was dying to do, while my friend, well, wasn't!), so I used the hot spring onsen at the hotel instead to unwind. It's not for the faint of heart. You basically scrub yourself clean in a public washroom (all naked, you can't bring in anything other than your washcloth and a small towel) and once you're clean, you step into the hot spring and just relax. There were just three old women when I went and they were just finishing up. I mostly got the place to myself. Falling alseep would have been really easy, but then I would have cooked myself in the hot water, so I stayed for only about 10 minutes. I went back to our room and pretty much fell out!</span></p><p><span style="font-size: 14px; font-family: Trebuchet MS;">Saturday morning we ran back out to the malls to finish our gift shopping and then we had to pack and get back to the airport.</span></p><p style="font-size: 14px; font-family: Trebuchet MS;">So that's it! I loved it. I was exhausted. And I would do it again (just not for less than 7 days)!</p><br><p style="font-size: 14px; font-family: Trebuchet MS;">Finally, my own Dos and Donts if you ever plan to go to Tokyo:</p><p style="font-size: 14px; font-family: Trebuchet MS;">DOs<br>DO ask the concierge or somebody at your hotel or the place you are staying for suggestions on places to visit.</p><p style="font-size: 14px; font-family: Trebuchet MS;">DO hunt for the best currency conversion rate you can find. It makes a huge difference in how much money you'll actually have available to you.</p><p style="font-size: 14px; font-family: Trebuchet MS;">DO get up early to see the Tsukiji Fish Market and have a sushi breakfast there. Personally, if you do nothing else in Tokyo, make sure you do that.</p><p style="font-size: 14px; font-family: Trebuchet MS;">DO make the trip with a friend. Two heads are better than one here. It's easier to find things and plan. Make sure you can stand each other for long periods though!</p><p style="font-size: 14px; font-family: Trebuchet MS;">DO read up on Japanese customs and etiquette before you go and learn a few words (Konnichi wa or moshi moshi (hello), sumimasen (excuse me) and arigato (thank you) are essential, ESPECIALLY sumimasen).</p><p style="font-size: 14px; font-family: Trebuchet MS;">DON'Ts<br>DO NOT try to do Tokyo in twodays. We went non-stop and were achy, grouchy and tired by the time we collapsed on our beds at the hotel. I'd love to go back and even though I've already been, I wouldn't do it for under 10 days the second time.</p><p style="font-size: 14px; font-family: Trebuchet MS;">DO NOT bother with cabs. It's really expensive, the metro is faster and the cabbies don't speak any English so wherever they wind up taking you is where you will be.</p><p style="font-size: 14px; font-family: Trebuchet MS;">DO NOT try to see more than two or three sites or neighborhoods in a single day. You'll just miss a lot of things and you'll be in physical pain by the end of the day. Some of the most interesting shops (even some museums) are tucked in alleys or squished between two great big buildings and they can be easy to miss (especially since Tokyo addresses are indecipherable).</p><p style="font-size: 14px; font-family: Trebuchet MS;">DO NOT rely solely on your travel book. I wouldn't got to Tokyo without a travel book (we wouldn't have found many things without it), but you can also get tunnel vision running from one site to the next when there are plenty of other things to see and do and eat that aren't in the book.</p></div><div class="feedflare">
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</div>]]></content:encoded><description>Well peeps, I am back in the states and readjusting to local time. I had a great time in Tokyo despite the short duration of our trip (thank you SO MUCH stupid American Airlines!). Just to recap if you missed...</description><feedburner:origLink>http://debthater.typepad.com/debt_hater/2009/06/all-about-my-trip-to-tokyo.html</feedburner:origLink></item></rdf:RDF>
